My annual USACycling domestic License increases in 2014 to $70.
Part of this is for Insurance which K&K Speciality Benefits Inc admin
for Nationwide Life Ins which in turn covers racers who when injured
require Hospital Treatment. Most folks due to the Affordable Care Act
should be insured for medical treatment anyway in 2014.
The $5 per race paid be participants is for a secondary insurance
and carries a deductable of $1000.with max coverage of only $25,000.
I would suggest getting expert advice from a consultant, for a
secondary private Insurance that makes claiming copays and other
charges not covered by the primary Insurer much simpler.
Just my two cent's I say. Go Private